Car Insurance for Vermont Drivers

Whether you are traveling to one of Vermont’s famous mountains for skiing and snowboarding, or exploring the artistic city of Burlington, you want to feel secure as you travel the roadways of Vermont. You can trust in car insurance from the AARP® Auto Insurance Program from The Hartford,1 because we’ve been protecting AARP members in Vermont and their families since 1984.

Are you in the market for car insurance? We can help. Read on to learn more about buying car insurance in Vermont, and request a quote from the AARP Auto Insurance Program from The Hartford. The AARP Auto Insurance Program from The Hartford has the reputation for integrity and trust that experienced drivers look for, along with high customer ratings for claims services.

Car Insurance Benefits Offered to Vermont Drivers

Vermont drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:

12-month Rate Protection

Lifetime Renewability†

New Car Replacement§§

Accident Forgiveness‡

Disappearing Deductible‡

24/7 Claim Service

Required Car Insurance Coverages in Vermont

Vermont state law requires liability car insurance at the following minimum limits:2

$25,000 for bodily injury, per person per accident.

$50,000 for bodily injury, total per accident.

$10,000 for property damage per accident.

Proof of Car Insurance in Vermont

Vermont state law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. That’s why it’s a good idea to keep a copy of your car insurance ID card in the vehicle with your registration. For added convenience, Vermont is now among the states that will accept an electronic copy of your ID card. With The Hartford’s mobile app, you can store your ID card right on your mobile device. Visit the App Store™ or Google Play™ for more information.

Vermont Uninsured Driver Facts

According to a 2012 Insurance Research Council report, 8.5 percent of Vermont drivers are uninsured. This is below the national average of 12.6%.3

The state of Vermont does not require drivers to carry uninsured/underinsured motorist coverage, but The Hartford offers this coverage which will protect you from financial loss if you are involved in an accident with an uninsured motorist.

Additional Car Insurance Coverages and Benefits Available to Vermont Drivers

For added protection, Vermont drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:

Comprehensive

Roadside Assistance

Transportation Expense

Staying Safe on Vermont Roads

As you travel through Vermont, there are a number of safe driving laws meant to protect you on the Vermont’s highways and byways. Here are just a few:4

Vermont Seat Belt Laws:

Although the state of Vermont does not have mandatory seat belt laws, law enforcement can ticket you for this violation if you are pulled over for another reason.

Vermont Distracted Driving Laws:

Texting while driving is banned for all drivers in the State of Vermont.

Vermont Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Vermont wants to be sure they stay safe in the process! Vermont has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.

§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.

† If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.

§§ Limitations apply.

‡ First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.

‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.